. >> pnc, wells fargo, bank of america, goldman sachss, jpmorgan. by the way, here's a big catalyst for the rally to continue, financials are going to start reporting earnings january 14th, jpmorgan and wells fargo kick this off, and right now financial firms in the s&p 500 are on average expected to post earnings growth of 24% for the fourth quarter on a year-over-year basis. that's huge growth. so if ever anybody's questioning whether or not this rally in financials can continue, most wall street analysts are saying yes, and they're pointing to earnings as next big -- cheryl: you're right. this is the third year that we have seen financials perform -- >> and it's also, it's timely ahead of the jobs report friday because the speculation is as the economy improves, people go back to work, loan demand will go up, interest rates will go up, and that will benefit the bottom with lines at the bank. cheryl: sandra smith -- >> thank you. cheryl: nice and warm in our new york studio. thank you, sandra. closing bell going to ring, we've got 18 minutes to go